When Benefits Are Paid

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	Supplemental Savings & Investment Plan

	The Plan at a Glance

	Participating in the Plan

	How the Plan Works

	Company Matching Credits

	Your Deferrals

	Notionally Investing Your Account Balance

	When Benefits Are Paid

	How Benefits Are Paid

	How Benefits Are Taxed

	In Case of Your Death

	Leaving the Company

	Account Information

	Miscellaneous

	Glossary

When Benefits Are Paid

Distribution Eligibility

You are entitled to payment of your Plan account after you:

terminate employment for any reason (including termination by reason of retirement) with Marsh & McLennan Companies, Inc. and affiliated employers,

are approved for benefits under the MMC Long Term Disability Plan in accordance with that plan's provisions and received benefits under that plan for six months for your post-2004 account balance and upon termination or death for your pre-2005 account balance, or

die,

without regard to when you receive a 401(k) Savings & Investment Plan distribution.

You are considered eligible to retire if you terminate your employment with the Company when you are at least age 55 with 5 years of vesting service or you are age 65 or older.

If you terminate employment and you are not eligible to retire, your account will be distributed in a single lump-sum automatically.

You can't borrow from the Plan. Loans and in-service withdrawals are not allowed.